Roofing Materials Compared

The following is an approximate comparison of commonly used roofing materials in the United States and Canada. The comparison is between asphalt shingles (specifically Architectural shingles), concrete/clay tile, wood shake, and steel roofing products.  This comparison will be looking at seven variables; namely, weight by square feet, fire resistance, Wind warranty, impact resistance from hail, snow/ice, and environmental impact.

Architectural shingles are 2.5 to 4 pounds a square feet. Clay tiles are the heaviest being 6 to 15 pounds per square feet. Wood shake are very light at an average of 1.5 to 2 pounds per square feet. Steel roofing products are the lightest in weight at an average of 1.25 to 1.5 pounds per square feet.

When it comes to fire resistance clay and steel roofing systems are rated Class A. Architectural shingles are rated class b in general unless there is a fiberglass mat; then it is generally Class A. Wood shake, as the name indicates is prone to fire; however, it can be of Class c, Class b or Class A.  To get Class A rated the wood shake has to be treated and specific underlayment has to be used.

Concrete or Clay tiles generally do not cover any wind warranty nor do wood shakes. Architectural shingles cover on average from 60 to 110 miles per hour. There many be in most cases a time period for which the warranty stands when it comes to shingles. Steel roofing products generally cover 110 to 120 miles per hour.

When it comes to hail concrete and clay tiles can get damaged quite a lot.  Tiles can crack easily.  Shingles can be bought from a range of class 1 to class 4.  Wood shake also range from class 2 to class 4. Steel comes in Class 4.  When it comes to hail, steel is the best option if all things are considered equal.

Wood shake and concrete or clay tile roofing systems will absorb water. Tiles will absorb as much as 15%.  So when it comes to snow and ice (freezing temperatures and thaw).  Shingles and steel are freeze and thaw resistant materials.

Only steel comes a true lifetime warranty when compared to other roofing systems.  The other roofing systems come when a wide range of warranties, anywhere from 25 to a limited lifetime warranty.  Also when it comes to the environmental impact steel has the most recycle materials, up to 35%.  it has long use cycle, and end of cycle recyclability, wood shake can be used as renewable energy.  However shingles and tiles have very limited recycling use.

Need further discussion or consultation about this topic? DFW Best Roofing is your trusted roofing consultant.

 

Real Estate Leads that lead you to better sales

Leads that lead you to better sales

Are you looking for realtor leads that could ultimately help you gain more sales at the end of the day? Do you want only the best real estate seller leads that could ensure you a high-yield of sales? Some say you could find leads on your own by going to houses and getting contact information, asking recommendations from your friends, colleagues, workmates and organization co-members, contacting your previous buyers to get to know their own network of friends, setting up a blog, posting advertisements on print and online, getting active on the social media like Facebook, Twitter, Instagram, etc. However, you give in a lot of effort while waiting in vain. The trend nowadays is purchasing real estate agent leads from lead-generating companies.

You could buy and find real estate agent leads in several websites and companies like Lead magnit, Birdview, Lake House, Find My agent, Market Linx, Brivity, Homeswing, Zopim, AgentMachine, Speed-lead, GetResponse, Apartable, Point2Homes, CirclePix, StreetEasy, Bold Leads and many more. Visit their pages or offices and get to know more about them.

Buy real estate agent leads that work! Some lead-generating corporations have realtor leads that are just distributed to multiple agents. It’s better to have a 1:1 ratio seller or buyer is to leads to ensure your sales. Always make speedy follow-ups if you already have leads. In choosing real estate agent leads that work, you have to check if the corporations can give you quick and safe leads. If the company employs search engine optimization techniques, then that’s a plus factor. Check also if the corporation has novel devices to help you as a real estate agent manage your business contacts and grab active and sure house buyers. Consider companies who can give you strong support and good advantages compared to other real estate agents lead-generating firms. Real estate is a world filled with much competition so you got to either be at par with the others or be better to earn more. Do not be the last one to find and buy the latest leads. Pick the one with good and dynamic listings and resources. Have greater revenue with your target audience by choosing the firms that gain loyalty from their sources or contacts. Get seller leads for realtors from the newest listings first before the other real estate agents. Choose the less costly but efficient lead-generating companies. Know these advantages and choose the best lead-generating company for you.

After choosing the best co-brokerage relationship for you, you can now wait and get updated with the latest leads from the team manager via phone call, text message or email. More often than not, you really get to secure the deal and sell a house or find a buyer of a house. Buying seller leads for realtors is a much sure way to go. It is a faster and more efficient way of converting your leads into sure clients. This is easier than being alone doing the entire job. So, when are you going to take action? When are you going to start buying the best real estate seller leads?

 

BENEFITS OF UNDERGROUND STORM SHELTERS

Storm SheltersMany lives are lost every year due to occurrence of tornadoes and severe storms. These disasters can be prevented by planning ahead and providing storm shelters. Installing an underground storm shelters is one of the best solutions that will protect you from this devastating occurrence. An underground storm shelter will help you protect both your family members and your households. Due to extreme changes in global weather, these tornadoes are expected to occur every year thus it’s advisable that you provide a permanent solution that will keep you and your family safe. Due to these weather changes, prediction of tornadoes and storms by the weather department has also become very difficult. Below is a list of benefits of installing underground storm shelters. Check out AlabamaStormShelters.net

• Ensures maximum safety.
When severe storms occur, there are very high chances that your roofs and other areas of your home will get torn easily. When this occurs, underground shelters provides you and your family with maximum protection. When tornadoes and storms occur, they come with a lot of force that may pull out some parts of your home. They can also spread debris across a very large area. This debris spreads at a very high and fatal speed. When all this occur, underground water shelters are left intact thus remaining as the only refuge for you and your family.

• It’s Very Economical
Construction of a stable house that can withstand tornadoes and storms is quite expensive. Even if you construct such a house, there is no guarantee that it will withstand the severe effects of tornadoes and storms. An underground storm shelter thus remains the most economical and reliable protection for your family. Underground water shelters are also cheaper than above-ground shelter. This is because an above-ground shelter has to be reinforced and very strong for it to offer maximum protection.

• They never interfere with your home’s functionality.
Since these underground shelters are built within the ground, they never have any negative impact on the functionality of your home. You therefore don’t have to squeeze some of your house rooms in order to put up an underground shelter.

• It’s very convenient
Warnings of tornadoes or storms are usually received a few minutes before they occurs. This means that there is no time to rush and find protection far away from your home. An underground shelter is thus the best option since it is built within your home. It can also be installed in the basement of your house. In such a case, you don’t have to move outside to seek shelter. It becomes very convenient especially for families that have kids, disabled and aged people who don’t have the energy to run for alternative shelters. When a severe storm occurs, ensure that the family runs into the underground shelter. Carry along foods and drinks since the storm may take a long time. Stay in the shelter until you are sure that the severe storm is over.

How to Manage Construction Projects in A Professional Way?

The world of work evolves as time moves on and adopting modern trends to help building companies achieve the desired growth they aim for. Making sure that we remain updated with new trends requires effort and hard work. It is important that we are efficiently targeting the core objective of our goals so that we can manage project effectively. Taking any wrong step can cause serious problems which might lead to a disastrous result or losing money on a project. In the past, those firms using the available technology the world offers have made advancement in shorter span of time with less effort. Harnessing the power of modern technology not only helps to reduce the burden we bear but also makes us more efficient and reliable.

It is important that we are performing every task in a calculated manner. This will allow us to maintain a focus to ensure we move forward on the right track. It also helps us to achieve meaningful results. Whether you believe in working hard or working smart, working hard in a smart way will always achieve better results. Professionals from any walk of life focus on using project management as their key to achieving their desired goals. Managing any project from start to end require the key element that harnesses the power of human resource to bring out the best outcome from minimal efforts, time and money.

The concept of just using lists or the old “back of a fag packet planning” doesn’t help you in completing the tasks in evolving projects on time. Rather, being an experienced professional with project management skills will achieve more for less. For a construction company the planning of all types’ of resources is a vital element in construction project management. Managing civil engineering projects is not just handling the building material or making sure that the design of the building or project is correct. Instead, it’s like taking care of all of the elements from the start of the project to the ongoing operations and at last finishing it in order to handle it to the client or owner of the project.

There are many companies famous for handling the projects of construction management and design. However, very few are really professional in delivering all of the desired services with quality on time with 100% efficiency. GE Commercial Construction Ltd is a team of efficient and skillful professionals having a combined experience and expertise of more than 30 years. Capabilities of handling projects of low and high budget while delivering quality management services of construction and building to its customers. GE Commercial Construction Ltd believes in having a long term relationship with its clients and making new clients to help them outsource to someone reliable on which they can easily trust.

Get Experienced Roofing Contractors to Inspect and Repair Your Roof

The roof is the most important part of any home, because it protects you and your property from the weather and keeps you snug and warm. If a roof is not properly installed, it can lead to leakages that can not only damage belongings that you have in it, but also lead to a health hazard, if mold and mildew develop as a result. A home that is constantly damp can also lead to its structure suffering severe damage, and this can lead to very costly repairs. It is therefore necessary to see that the roof is always in very good condition, and immediate steps are always taken to have it repaired, when any damage is noticed.

This is where you can do well to take on the services of a roofing contractor for the roof repair. Contractors are specialists who have a lot of experience in installing new roofs, repairing damaged ones, and even replacing them, if they are beyond repair. They will have all the necessary tools and equipment to carry out the works safely and to the standards demanded by a property owner. One of their most important tasks is to conduct inspection of roofs, when invited to do so. They will assess the condition of the roof and give their opinion about the work that needs to be carried out on it.

Home owners who get such inspections done at regular intervals are those who are wise and will have roofs that will give them decades of service. They will also insist on such inspection, whenever the geographical area in which their home is situated has gone through very stormy weather, which does tend to cause roof damage. This damage can be due to very high wind, intense rain, or damage caused by branches of trees that do break off in such storms. Roofs are dynamic structures and go through a lot of movement caused by wind, expansion and contraction due to heat and cold, and deterioration of roofing tiles due to constant exposure to sun. The state of a roof constantly changes and it can never be said to be in perfect condition. Roofs in areas with lot of trees around also tend to accumulate a lot of debris on them, which besides damaging tiles can lead to rain spouts and gutters getting choked. This can lead to overflow of rainwater which can then run down walls and if left unchecked, can damage foundations.

The best roofing contractors who can inspect and repair roofs are those who are licensed contractors, who also carry adequate insurance for their workmen and any damage to clientís property. Make sure the contractor you employ has a proper presence in your area. It can do no harm to get recommendations from friends and acquaintances that have used their services. Ask for proper quotes and understand the full extent of work that is part of the quotation. Sign valid contracts which are legally enforceable. Insist that materials used are from reputed manufacturers and also ask for guarantees for any work carried out. If you have more questions or concerns, please contact our professionals at http://shieldroofingonline.com

Using Facebook Ads to Grow Your Real Estate Business

About 2-3 years ago, Internet Marketers in the real estate niche started to take notice of a phenomenon taking shape in the Google search engines. YouTube videos were dominating in the top search results. Today, it is not uncommon to see multiple YouTube videos in the top 3 positions for a search query related to real estate (and most other search queries for that matter). In fact, it is not uncommon to find at least one YouTube video in the top 3 positions of the search results. Considering it’s a lot easier to create and rank a YouTube video than ranking a website, it didn’t take long for YouTube to become a gold mine for Internet Marketers and that has persisted into 2015.

Every year, the game changes significantly for Internet Marketers and these changes usually apply to those of us in the real estate niche as well. Many Internet Marketers will swear by the now famous mantra “SEO is dead”. Whether this is true or not is debatable, but we should all be able to agree that SEO is very difficult and extremely competitive, at the very least. It has also become inefficient for Internet Marketers to invest all their time into optimizing their websites for the search engines. Obviously, if you can get organic traffic from Google, your web properties have a much greater chance to be successful, but the point is, how do we get the most value when it comes to different ways of generating traffic.

fb-adsFacebook Ads is going to be the YouTube opportunity of 2015. In fact, many of the most successful Internet Marketers were riding Facebook Ads to huge profits and insane ROI already in 2014. The problem is, like anything else, there’s a bit of a learning curve involved before you can truly profit from Facebook Ads. Rather than spending your time with hit or miss research and trial and error action, I would highly recommend investing a small amount in Click Multiplier, a $47 training and software product that allows you to create and optimize Facebook Ads campaigns. With Click Multiplier, you are practically guaranteed to create campaigns that will pay out exponentially more than your investment, if you are faithful to the training and if you utilize the valuable exclusive software that has been included with the product.

Since Facebook Ads allows you to define your target audience and define which Facebook users will see yours ads, it would be easy to setup an advertisement that only targeted people that are looking to buy houses and/or interested in real estate in general. That’s what makes Facebook Ads so innovative and superior to related services including Google Adsense.

The name Click Multiplier implies that you will be able to multiply clicks to your Facebook Ads if you use this product. The product comes with a boat load of features and teaches everything you would need to know about retargeting, link tagging, and conversion tracking. The software comes with additional features as well including split testing, data analysis, link rotation, retargeting, and more. In my opinion, Click Multiplier is the first “no brainer” of 2015.

If you are wondering “how do I know this works?” that is actually a great question, but you need not worry because Click Multiplier protects its buyers with a money back guarantee. In other words, if you bought Click Multiplier and in the next 30 days you decide this product isn’t helping you for any reason, you will be entitled to a full refund in the initial amount paid. So what are you waiting for? Are you going to get in on this excellent online cash opportunity or are you going to watch your competitors cash in on this opportunity instead?

Useful Tips for any would-be Landlord

With tenant demand far-outstripping supply countrywide there probably hasn’t been a better time to make that big jump and become a Landlord.

Landlord Insurance is vital to protecting your very important asset; it also becomes an important component of any landlord/tenant relationship. If you are about to make that jump then here are some important points to be aware of when it comes to buying Landlord insurance: –

  1. BUY LANDLORD INSURANCE IMMEDIATELY, Landlord insurance is not a legal requirement, but the implications for you could be catastrophic without proper Landlord Insurance in place
  2. DO NOT BUY STANDARD HOME INSURANCE because you think it’s cheaper as; a) its not always cheaper, b) any claim would be rejected by the Home Insurer
  3. You need insurance for the buildings, which usually covers the standard perils of fire, storm, and flood. Some insurance policies include accidental damage as an additional benefit
  4. Consider carefully the addition of landlords contents insurance, this covers the items that you own that remain in the property when let, landlords contents can include your furniture.
  5. Most landlord policies should include public liability cover. As a landlord, you are legally responsible to ensure that your property is safe for both tenants and the general public.
  6. Advise your tenant to insure their own contents, so often Landlords consider their responsibility to their tenants ends with the provision of cover for the buildings and tenants mistakenly assume that their contents are automatically insured by the Landlord and paid for in the rent, you can avoid disputes in the future by having tenants & landlords content cover in place. Your tenant can arrange Tenants Contents Insurance through The Property Insurer.

Landlord insurance is an important purchase for you if you are considering a buy-to-let investment. It can help protect you from unexpected costs if problems arise with your property and your tenants.

The Property Insurer partners with a panel of specialist Landlord Insurance Brokers who understand the risks associated with arranging this type of cover and can tailor a package to suit your needs. So there is never a better time to be a Landlord and at the same time strike a great deal for your Landlord insurance.

 

What does FHA accept as a Hardship?

South Florida – Yesterday, we received a question about the FHA short sale process.   In the midst of doing some in depth research on the subject, we stumbled upon something that we found to be very interesting.  Let’s see if you agree.

For anyone that wants it, there is a public list of the things that FHA will consider and/or recognize as a legitimate hardship when it comes to applying for a short sale.   You can access this document directly from FHA’s website by visiting http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_16789.doc.  The positive that can be taken away from this is that IF FHA considers your specific situation to constitute a legitimate hardship, then there’s a good chance that your lender will as well.  This can be very important if you’re trying to learn how to stop your foreclosure in south Florida!

Here is the list of the circumstances that FHA believes to be a legitimate hardship when it comes to a short sale.

* Death of Principal Mortgagor.

* Illness of Principal Mortgagor.

* Illness of Mortgagor’s Family Member. Extraordinary medical expenses are part of the equation.

* Death of Mortgagor’s Family Member. Extraordinary expenses are part of the rational.

* Marital Difficulties.

* Reduction in income.

* Excessive Obligations. No loss of income. To quote FHA, “The delinquency is attributable to the mortgagors(s) having incurred excessive debts (either in a single instance or as a matter of habit) that prevent him or her from making payments on both those debts and the mortgage debt.”

* Job Transfer.

* A Problem with the property such as poor quality construction, expensive repairs being needed, etc.

* Inability to Rent Property.

* Military Service where the person can’t afford their house because their paycheck won’t enable them to cover the payment.

* Unemployment / Job Loss.

* Business failure

* High Energy Costs. Your income and everything else stays the same, but your utility bill increases substantially.  To quote FHA, “All other factors remained the same, but sharp increase in utility cost(s) deferred funds that would have been available for the mortgage payment or costs associated with the removal of environmental hazards in, or near the property.”

* Payment Adjustment. Per FHA, “Delinquency began after either increase in P&I for ARM mortgage or after escrow analysis where one or more escrow item increased, including the spreading of the amount needed to repay an escrow shortage over the next year.”

* Incarceration.

5 Simple Steps to DIY Investing Success

Did you know that not all investments need to be done through a financial manager or an investment advisor? If you didn’t, now you know. Hiring the services of a professional financial manager could prove to be an expensive affair. Aside from the fact that hiring is expensive, working with a financial manager will also deny you the chance to learn and grow as an independent investor. Why not try investment the DIY way? There are numerous merits attached to those who opt to follow this option. However prior to delving into the tricky investment world, you first need to consider some basic steps that will see you become one of the best do-it-yourself investor. Here are the steps:

  1. Design a plan

When it comes to investments, you will need to have a solid financial plan. This tool will act as a guide to ensure that you have considered the goals and aims of your investment. You cannot afford to commit your financial resources to an investment without a plan. Your plan must be designed in such a way as to ensure that your investment goals are met. A good plan will determine your entry and exit strategy; it will keep you focused on the final expected goals.

  1. Have a solid investment strategy

After designing a plan, the second step is to establish the investment strategy, which should help guide u follow the plan. A good investment strategy will tell you when to buy or sell at a particular time. It will show you the signals that you will use to make your buy or sell decision. You should design your strategy in such a way that your reward exceeds the risk involved. For instance, if your goal is to retire in the next 10 years, then your strategy should work to ensure that your goal to retire is met while at the same time you should have enough savings to live on in your retirement. To achieve this goal, you might have to decide between investing in risky business or take a conservative approach and invest in low return-low risk businesses. Evidently, if you wish to raise enough savings from investment in a period of 10 years, then you might just have to go for the high risk-high return investment strategy.

  1. Understand the basics

Most successful investors are hands-on people. They know the basics of their investments. For instance, if you decide to invest in forex or real estate, you need to understand the factors that drive the success of such an investment. Understanding the basics will empower you to make wise investment choices. You will reap good returns if you understand how the forex market works. 

  1. Set up a good platform

Having opted for a do-it-yourself investment, then there is no need for you to pay commissions and fees to brokers. Why don’t you find a reputable company and trade or invest through them. This will save you on cost.

  1. Get in and invest

It is okay to have a big goal and an equally elaborate investment strategy. However, it is highly advised that you start small and grow. Ensure that you strike a balance between greed and fear. In the meantime, if you are qualified to work or study in the UK, you can use your NI card to acquire services covered by the insurer and ensure that you save and invest as much as possible.

 

HOW TO INCREASE YOUR HOME LOAN ELIGIBILITY

Home Loan Eligibility provides as the base upon which the borrower is sanctioned a loan amount. A borrower’s eligibility is defined on the basis of his economic status in society. Home Loan Eligibility is inversely related to the interest rates. Below are some basic steps a borrower can follow in order to increase home loan eligibility:

Joint Application

In case, you want to increase the HLE you along with any other earning member of your family can apply for the loan together which will increase the income level or amount while calculating the home loan eligibility. With both the earning member applying the income level will increase and so will be the eligibility level of home loan higher. For example: You earn 80,000 rupees per/month but you want a HLE of 1,40,000 rupees so, you can find any of your siblings who are in the same income group and who are ready to apply for a loan in case, your dad who earns 75,000 can willing give you the money and the criteria of 1,40,000 can be fulfilled.

Increasing the loan tenure

If one increases the time period in which he has to repay the amount in a longer period of time which decreases the burden of repayment to a certain extend and also the home loan eligibility though, the interest rate and principle amount will remain constant. The loan eligibility will naturally be elevated accounting to low EMI.

Step-up loan

Applying for home loans on two different interests rates I.e. lower interest rates in the earlier period and higher in the later. Low EMI in the initial years is usually taken for calculating the loan eligibility. These kinds of loans are taken if the borrower feels that there will be an increase in his level of income during the loan tenure. This is another way to increase the home loan eligibility.

Include perks

While calculating home loan eligibility if a borrower calculates all the incentives and various other small incomes which he earns will increase his eligibility. This in return will have a positive impact on your repayment capacity. These perks may include performance linked bonus or additional pay for overtime etc.

Relationship with the lender

If you’ve a healthy relationship with the lender and you are a regular borrower and you’ve been clearing the previous loans on time without any difficulties the lender might offer you a lower rate of interest and higher eligibility rate. Here the level of goodwill matters the most! The bigger and more loyal is your reputation the better you can get from the lender

Repaying other obligations

Every lender has a track-record of your current and previous loan deals. In case, you already have two loans to be repaid and you’re applying for another deal. This will obviously decrease you eligibility level because your income is distributed and the amount of money you will give to repay the home loan will also decrease. So, it is advisable that the borrower should clear off all his previous deals before applying for a home loan to get the highest home eligibility level while applying for a home loan which will increase your home eligibility. For example: You want to buy a house for rupees 30 lakhs and the HLE is 55,000 rupees and you already have 2 pending loans of 30,000 rupees each so some part of your income will go to pay your previous debts which will decrease the paying power of yours of the home and so, you will have to settle for a lower home eligibility rate.

Disclosing other investments

If you already have other investments like fixed deposits or life insurance policies with lump sum coverage, then disclosing such investment increases your HLE. So, if you have any of such investments, it has always been advised that you disclose those, which actually enhance your financial score in front of the bank or the institution. For instance, if you are having a FD of 1, 00,000 rupees or an LIC with the sum assured amounts to 10, 00,000 rupees and declaring about this investment to the bank, enhances your HLE

Before applying for the home loans it’s very important to judge ones repayment capacity. The secret of getting your Home loam sanctioned and disbursed is applying for the realistic amount which you can repay. The banks or the financial institutions try to judge the repayment capacity of the borrower, by considering other financial obligations and his disposable income. So, it’s always advisable to have an understanding about your maximum eligibility prior to the application of loans for a hassle free disbursement. There are online loan calculators available on different portal like Housing.com home loan section which not only provides you with this information, but also guides you about different technicalities of the Home Loan process and application. The portal also allows you to pick and apply your suitable Home Loan option.